The National Directory of Certified Public Accountants

Ask A CPA - Insurance

Does Medicare Cover Long Term Care Insurance ?

Generally not. Medicare only covers medically necessary care under Hospital Insurance Part A, and medical insurance under Part B. Long-term care is custodial care given at home or in a nursing home for people with chronic disabilities or lengthy illnesses. Private insurance companies sell long-term care insurance policies. For more information on long-term care insurance, speak to your local CPA or get a copy of "A Shopper's Guide to Long-Term Care Insurance" from the National Association of Insurance Commissioners at 120 W. 12th Street, Suite 1100, Kansas City, MO 64105-1925

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